On the "manufacturer's side", CCB Credit Card has reached general cooperation with new car-making forces such as Weilai, Tucki and Ai 'an, continuously deepened multi-level docking cooperation with new energy vehicle brands, continuously improved the comprehensive service capabilities of cooperative manufacturers by establishing a special service team for new energy vehicles and building a general direct sales platform for new energy manufacturers, embraced the market reform of new energy vehicles in a multi-pronged manner, and continuously increased the installment loan for new energy vehicles. On the "consumer side", CCB credit card strongly supports the demand of terminal retail customers for financing car purchase. Compared with the down payment ratio of 20% for fuel vehicles, the down payment ratio for customers to purchase new energy vehicles by stages is only 15%, which reduces the payment pressure of new energy vehicle consumers.
Relying on the billion-dollar credit card customer base and the rich credit card products and service system, CCB Credit Card has made the installment business of new energy car purchase a new bright spot in its green finance. At present, CCB's credit card installment business has cooperated with more than 300 new energy vehicles, covering more than 60 automobile brands. In 20021year, the credit funds for new energy vehicles exceeded 10 billion yuan, providing support for the installment purchase of new energy vehicles for more than 80,000 customers.
With refreshing design and environmentally-friendly materials, this seemingly "small and fresh" card is CCB's Longka green low-carbon credit card. The card is made of PETG environmental protection material, closely focusing on the needs of life such as environmental protection consumption and low-carbon travel, and carefully creating multiple green and low-carbon scene rights for cardholders.
Cardholders can get a digital gift certificate for exchanging low-carbon energy when they use the card for green consumption, and they can get a * * * bicycle riding card reward when the consumption reaches the standard, and they can get a minimum down payment of 15% when they buy new energy cars by stages, and they can get points when the consumption reaches the standard on environmental protection festivals such as Arbor Day, Earth Day and World Environment Day, and the points can be exchanged for environmentally-friendly green good things ... Longka Green Low-carbon Credit Card, which is tailor-made for "environmentalists", aims to promote public environmental protection.
In addition, CCB Credit Card also actively cooperates with public transportation service enterprises in Shanghai, Zhengzhou and Changsha to launch products such as Yangtze River Delta Changxinglongka, Zhengzhou Metro Merchant Easy Credit Card and Changsha Metro Unbounded Credit Card, so as to realize the integration of bank card and transportation card and advocate public green travel.
In the field of automobile consumption, with the change of automobile consumption from incremental market to stock market, CCB credit card actively responded to the relevant national deployment, innovatively launched the second-hand car installment product of "Long E Loan Good Car", and effectively revitalized the second-hand car market while carrying out installment preferential activities with the second-hand car dealer group to benefit customers, and the green development concept of resource recycling was deeply rooted in the hearts of the people.
CCB vigorously promotes the digital innovation of credit cards, gradually realizes the "cardless" use of credit cards, constructs unified product functions and business processes of digital credit cards, builds a digital credit card product system, and empowers the inclusive development of green finance with digital technology.
As early as 20 16, CCB launched a virtual credit card "Longka e-Payment Card" without physical media, and then successively launched virtual card products such as Longka Loan Bar and Longka Unbounded Card to meet the green consumption demand of customers for instant application and instant card use through mobile banking. At the same time, through payment innovation, marketing propaganda, etc., we will vigorously promote the online and card-free migration of credit card transactions. At present, CCB has issued more than10,000,000 credit cards such as digital cards and virtual cards, which effectively reduces carbon emissions while meeting customers' demand for credit cards with high efficiency and high quality.
At the same time, CCB's credit card continues to innovate in key links such as customer card use, repayment and account inquiry, so as to promote the green and sustainable development of the business by electronic means. Mobile banking, mobile official website, CCB Life APP…… ... A series of electronic channels make the whole process of business processing seamless. At present, more than 90% of CCB credit card applications are realized through electronic channels. In addition, CCB continues to vigorously promote the electronicization of credit card bills. Today, more than 90% of CCB credit card holders choose to use electronic bills, reducing the number of paper bills by about 2.75 billion, effectively practicing a low-carbon and environmentally-friendly life.
Based on the characteristics of China, polishing the ecological background, highlighting the true nature of finance, giving full play to the advantages of big banks, innovating green financial products, increasing support for a green and low-carbon economy, and helping to achieve the goal of "carbon neutrality and peak carbon dioxide emissions" are the important missions of CCB credit cards, and are also the inevitable requirements for implementing the concept of "new finance". CCB Credit Card Center will continue to enrich the credit card green credit product system with the courage of "innovation", promote scene innovation and process optimization with the attitude of "striving for progress", lead the green social fashion with the wisdom of "following the trend", support the key tasks of green transformation with the layout of "overall planning and coordination", continuously enrich the green financial practice and help realize the goal of "double carbon".